KG Financial Co. Ltd.

KG Financial Co. Ltd.

KKRX:046440
3,930.00
KRW
-20.00
(-0.51%)
572.13EPS
8.08P/E
171.60BMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5,866.06
7,249.09
7,964.33
6,227.63
5,850.74
6,998.97
6,621.27
7,507.29
8,261.91
7,441.92
7,536.68
7,171.29
6,477.49
6,522.12
Basic EPS, GAAP
440.8
731.29
362.49
492.33
471
437
619
628
785
754
1,176
262
644
589.06
Free Cash Flow per Basic Share
1,284.5
-2,009.89
-829.02
-305.37
-567.33
449.4
2,489.32
802.77
2,050.06
-337.15
-1,797.37
76.36
316.24
476.45
Dividend per Share
90.17
111.38
128.02
135.34
135.84
198.67
199.81
161.84
220.06
220
220.04
219.97
222.58
- -
Book Value per Share
5,435.9
6,018.65
6,317.7
6,674.75
7,138.44
7,369.71
7,776.84
7,159.26
7,726.84
8,293.53
9,254.82
9,371.37
9,858.22
9,723.58
Tangible Book Value per Share
5,230.72
5,835.33
6,122.39
6,406.48
6,175.01
6,455.73
7,054.79
6,196.97
6,802.06
7,509.43
8,522.94
8,770.69
9,182.41
9,026.38
Basic Weighted Avg Shares
20
20
22
22
29
29
29
36
37
37
37
37
36
36
Sales/Revenue/Turnover
118,648
148,373
172,894
136,687
170,596
202,942
192,192
269,043
306,464
276,117
279,580
266,111
233,771
235,074
Operating Margin (%)
17.16
16.99
14.63
16.85
16.3
10.9
18.17
17.05
15.54
14.63
11.8
2.8
14.17
13.8
Depreciation Expense
1,346
1,633
2,243
2,615
6,993
9,282
11,613
20,778
11,554
9,924
9,379
7,366
3,844
- -
Net Income, GAAP
8,916
14,968
7,869
10,806
13,733
12,671
17,967
22,506
29,118
27,976
43,625
9,722
23,242
21,231
Effective Tax Rate (%)
27.19
24.7
27.2
39.66
35.15
26.96
31.07
27.12
21.45
29.91
27.45
- -
22.1
26.37
Profit Margin (%)
7.51
10.09
4.55
7.91
8.05
6.24
9.35
8.37
9.5
10.13
15.6
3.65
9.94
9.03
Working Capital
88,528
78,501
103,231
184,593
100,459
129,937
110,183
187,740
143,008
203,367
221,425
209,077
223,467
216,114
LT Debt
32,680
10,000
10,000
100,000
9,920
62,215
9,983
59,603
4,446
32,724
4,187
2,473
973
880
Total Equity
109,950
123,661
138,751
146,593
218,656
226,112
237,463
275,412
296,773
316,402
349,725
347,008
359,613
354,654
Return on Invested Capital (%)
9.19
10.07
8.42
5.46
5.42
4.04
6.02
8.88
10.2
7.64
5.87
- -
5.86
5.69
Return on Capital (%)
6.39
8.71
3.79
4.36
4.65
3.62
5.23
6.35
8.17
8.21
12.02
- -
5.86
5.23
Return on Common Equity (%)
8.55
12.81
6
7.57
7.8
6.04
8.18
9.16
10.54
9.41
13.4
2.84
6.66
6.17

Capital Structure

KRW

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
89,450
84,440
82,578
LT Borrowings
- -
- -
- -
LT Finance Leases
1,072
973
880
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
36
36
36
Market Capitalization
188,904
169,437
171,600

Working Capital

KRW

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
416,942
418,001
449,672
Cash, Cash Equivalents & STI
49,746
54,538
76,649
Accounts Receivable, Net
20,814
21,925
20,590
Inventories
51
50
197
Total Current Liabilities
206,577
194,534
233,559
Payables & Accruals
- -
- -
- -
ST Debt
89,450
84,440
82,578
Deferred Revenue
- -
- -
- -

Growth Rates

KRW

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.7%
5.55%
3.63%
Free Cash Flow
97.9%
135.88%
302.79%
Net Income, GAAP
26.65%
28.55%
139.06%
Sales/Revenue/Turnover
4.58%
-2.34%
-12.15%
Total Cash Common Dividend
- -
- -
-1.59%

Quarterly Revenue

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
82,086
72,400
66,963
44,663
266,111
2025
61,245
56,177
60,809
55,540
233,771
2026
62,549
- -
- -
- -
- -

Quarterly Earnings Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
241
194
-345
171.31
262
2025
170
131
214
129.53
644
2026
114.5
- -
- -
- -
- -

Quarterly Dividends Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
219.97
2025
- -
- -
- -
- -
222.58
2026
- -
- -
- -
- -
- -

Company Description

CEO
Seung-Yong Yoo
Full Time Employees
147
Sector
Commercial services
Industry
Miscellaneous commercial services
Address
Seoul South Korea
IPO Date
Dec 14, 2004
Business
KG Financial Co., Ltd. (formerly KG Mobilians Co., Ltd.) is a South Korea-based financial technology company primarily engaged in the provision of electronic payment gateway services, mobile carrier billing, and digital financial solutions. Founded in 2000 and headquartered in Seoul, South Korea, the company operates as a core fintech affiliate of the KG Group and a subsidiary of KG Inicis Co., Ltd. KG Financial provides specialized payment processing, digital identity, and transaction settlement solutions tailored to e-commerce merchants, digital content platforms, online marketplaces, corporate enterprises, and individual consumers across South Korea. The company delivers a comprehensive suite of payment processing, financial management, and verification services, comprising: mobile phone micropayment and carrier billing services; credit card payment gateway processing for online and mobile commerce; the Mobil Card prepaid card platform offering reloadable digital and physical payment capabilities across online and offline retail merchants; simple payment and URL-based remote checkout solutions; real-time bank account transfers and virtual account issuing; electronic gift certificate processing and cash receipt issuance; escrow services and automated recurring billing management; B2B merchant early-settlement and accounts receivable factoring services; identity verification and mobile authentication solutions; and Mobile One-Time Password and server management authentication systems. In recent strategic developments, the company rebranded from KG Mobilians Co., Ltd. to KG Financial Co., Ltd. in 2026 to reflect its structural transition from a conventional payment gateway into a diversified digital finance and fintech platform. Expanding its commercial financial services, the company introduced a seller early-settlement factoring program designed to optimize cash flow and liquidity for small-and-medium e-commerce merchants. KG Financial has also expanded its next-generation payment infrastructure by entering into a strategic partnership with Solana to build blockchain- and stablecoin-enabled settlement and cross-border remittance solutions, while pursuing regulatory licensing as a Virtual Asset Service Provider. Furthermore, the company upgraded its Mobil Card platform with integrated transit card capabilities and retail merchant partnerships, supported by the achievement of Payment Card Industry Data Security Standard (PCI DSS) Level 1 certification.